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1. You will not reach any agreement. You most probably fear this outcome. You should not; nothing has changed. Your situation has not been worsening, but you have eliminated one solution.

2. You will make an agreement to pay your invoice later. Most probably, you will have to pay a fee due to delay.

3. You will make be able to split invoices into several smaller invoices.

You should know what kind of deal you want before you make your call. However, be prepared to accept a deal that is poorer than your suggestion. Most important do not accept a deal that you are unable to fulfill.

Why does this usually work? There are many reasons, but I will give you three:

1. Your creditors want money, and they see that they will get money faster if they cooperate with you. 2. The creditors are humans too, and they have no intentions to make your living hard. Most people do not realize this…

3. You are practicing engagement. You are telling your creditors “I have difficulties now, but I do not ignore you”. Nobody want to be ignored, especially not when it comes to money.

There are still a lot of possible solutions if you do not succeed to make an agreement, but you should always try simple solutions first. I wish you good luck.